This research study examined the accessibility of credit for small and medium-sized enterprises (SMEs) in Osun State, Nigeria. More specifically, the study examined the factors that impact SMEs' credit accessibility and determined the degree to which government institutional funds and credit schemes have influenced SMEs' credit accessibility in Osun State. The study utilized a descriptive survey research design, randomly selecting 238 SMEs and collecting data through a structured questionnaire. The data was analyzed using both descriptive statistics and a logit regression model. The results demonstrate that small and medium-sized businesses in the research area can more easily obtain financing attributable to government institutional funds. The survey also showed that excessive levels of documentation and bank interest rates had a major detrimental impact on small and medium-sized businesses' ability to obtain funding. Therefore, the study suggests that policy measures be implemented by the government to control the interest rate that banks charge on loans to small and medium-sized enterprises. Second, proactive steps must be taken by the government, financial institutions, and other stakeholders to make credit more accessible to SMEs.